We recommend products and services based on unbiased research from our editorial team. We make money via affiliate links, which means if you click a link on our site, we may earn a commission. Any commissions we receive do not affect our recommendations; if you want to know more about how that works, read more.
24PetWatch offers both pet insurance and pet protection. According to the company’s site, pet insurance is currently offered in Canada only, with quotes and policy details tailored by province and pet profile (see 24PetWatch). Plans for cats and dogs follow a similar structure; differences typically come from the annual limit, reimbursement percentage, and deductible you choose.
Before you enroll, confirm eligibility rules and any age limits specific to 24PetWatch in your province. Across the wider market, there isn’t a universal upper-age cutoff—several major insurers allow new enrollments at any age or up to a pet’s 14th birthday. Examples include: Pets Best (no upper age limit), ASPCA Pet Health Insurance (no upper age limit), Trupanion (accepts up to 14th birthday), Healthy Paws (8 weeks–14 years at enrollment), Embrace (up to age 14 for accident & illness; accident-only for 15+), and MetLife (markets no maximum age). Because rules vary by insurer and policy, verify 24PetWatch’s current criteria during the quote process.
If you decide 24PetWatch is the right choice, its add-on wellness packages and extra features—such as emergency boarding and trip cancellation—can add value. Availability and specifics can differ by province; review the provincial policy wording and inclusions on the Canadian site before purchasing (source).
| Pros | Cons |
|---|---|
The Pet Insurance Factors We Analyzed
Pricing
For Canada, 24PetWatch quotes premiums based on your pet’s species, breed, age, and your province. Plans generally let you select an annual coverage limit, a reimbursement percentage, and an annual deductible. The company does not publish a universal price table or fixed limit menu on its public pages; you must obtain a quote to see the specific options and prices available for your pet and province (24PetWatch Canada). This differs from some U.S. competitors that list standardized options online.
If you’re comparing across insurers, be aware that benefit designs differ: some carriers emphasize no payout caps and a single reimbursement level (e.g., Trupanion highlights 90% with no payout limits), while others offer multiple annual‑limit and co‑insurance combinations and separate wellness add‑ons (e.g., Lemonade, Embrace, ManyPets). Use a 24PetWatch quote to confirm the exact limit and reimbursement selections you can make in your province.
Customer experience
The 24PetWatch site supports fast quotes with questions about your pet and location in Canada, and it includes plan summaries and FAQs. Contact options include phone and email; check the website for current hours. Industry‑wide, customer satisfaction is increasingly driven by clear coverage explanations, price transparency, and fast claims. The J.D. Power 2024 U.S. Pet Insurance Study notes pricing pressure and communication clarity as major drivers of sentiment. For a regulator‑verified view of complaint patterns (e.g., delays, denials, billing), use tools like the NAIC Consumer Insurance Search and state reports such as California’s Consumer Complaint Study.
You can also review independent consumer feedback. Public reviews are mixed for many insurers, often citing claim cycle time and coverage disputes—patterns that broader insurance studies confirm are common pain points. If you rely on reviews, corroborate with recent complaint ratios and policy wording to distinguish isolated anecdotes from systemic issues.
Coverage
24PetWatch markets an accident‑only option and multiple accident‑and‑illness plan levels in Canada, with the primary difference being the annual claim limit. Optional wellness add‑ons are available. Some extra features (such as lost‑pet recovery costs, boarding kennel fees, accidental death, and trip cancellation) may not be subject to copays or deductibles; verify inclusions for your province on the Canadian site (source).
For medical scope, policies generally exclude pre‑existing conditions. Coverage for hereditary and congenital conditions varies by carrier and policy; review 24PetWatch’s current Canadian policy wording to confirm how these are handled. For context, several competitors publicly state coverage for hereditary/congenital conditions when not pre‑existing (e.g., Trupanion, Embrace), and waiting periods for orthopedic issues typically apply at many brands (for example, Lemonade commonly cites 2 days for accidents, 14 days for illnesses, and ~6 months for cruciate ligament events; Embrace lists a 6‑month orthopedic waiting period for dogs, with possible waiver via exam). These competitor examples are illustrative only—confirm 24PetWatch’s specific waiting periods, bilateral/orthopedic rules, sub‑limits, and exclusions during the quote.
24PetWatch Pet Insurance Overview: Financial Strength, Availability, and History
24PetWatch has been part of Pethealth Inc. since 2003 and offers pet protection services alongside Canadian pet insurance. Pet insurance availability is Canada‑only at this time (company site). The brand itself is not BBB‑accredited. Its historical underwriter reference in the U.S. is The North River Insurance Company, which holds an A AM Best rating. Note: AM Best ratings apply to the rated insurer entity; confirm which underwriting company applies to your specific Canadian policy during checkout on the 24PetWatch site. Customer reviews are mixed—consistent with sector‑wide themes of pricing pressure and claim‑handling expectations highlighted by the 2024 J.D. Power Pet Insurance Study.
- In business since: 2003
- BBB Rating: N/A
- AM Best Financial Strength Rating: A (The North River Insurance Company; verify which underwriter applies to your Canadian policy)
- States served: N/A — pet insurance available in Canada only
The Competition
| States Available | 24/7 Claims Service | Wellness Coverage* | |
| 24 Pet Watch | N/A | Yes | Yes |
| Figo Pet Insurance | 50 | Yes | No |
| Healthy Paws | 50 | No | No |
| Nationwide | 50 | Yes | Yes |
| Embrace | 50 | Yes | Yes |
| Trupanion | 50 | No | No |
*Coverage for routine care like vaccinations, flea/heartworm prevention, etc. Note: The “States Available” column reflects U.S. availability; 24PetWatch’s pet insurance is sold in Canada only (source). For market context, Nationwide announced non‑renewals and a pause in much new business in 2024 (company update), which may affect shopping choices for U.S. customers.
All information accurate as of 11/11/2025.
The Bottom Line
If you’re in Canada, 24PetWatch is a brand to price and compare—especially if you value non‑medical extras like trip cancellation and boarding coverage. Because the company doesn’t publish a universal price/limit grid, use the online quote to confirm your annual limit, reimbursement, deductible, waiting periods, and how hereditary/congenital and orthopedic conditions are handled in your province (source). Given industry trends—pricing pressure and the importance of clear claims communication per J.D. Power—compare at least two alternatives (e.g., Trupanion for no‑cap 90% reimbursement and direct vet pay; Embrace for robust dental/behavioral and a deductible that can shrink when you go claim‑free). Always review the policy wording, as definitions of pre‑existing conditions and orthopedic provisions vary by carrier.
Recently Added
